Don't be sorry, Philip. Most of my article consisted of anti-Canadian material, as usual. You did a great job outlining the issues without going right over my head.
You must be a moron! Go ahead and try this, we need to rid the world of morons....in about 2 minutes or less after you short the battery with the metal rod, it will explode. But go ahead.
Be sure that computer engineering is what you want to do. A college degree is a great thing to have, but what makes it even better is if you really use the degree you get.
BTW, Linsey, great article. I didn't have anything valuable to add to it, but I realize that I've gone back and read it several times today, so I just thought I'd mention that.
It's all about the little things, isn't it? You know, the sandals we bought for the around the world trip were of washable leather. The brand is called Keen, I think. We tossed them in the washer a few times. They came out fine. Didn't dry them, though.
...In Europe and Australia, where we get screwed by American / Japanese companies selling things at way beyond the US price already in our local markets. At the moment, I can import a 80gb PS3 from the US for about AU$250 less than the the local 60gb model, including shipping. And if the USD goes down any further it's just going to get better.
Hey Frank i havent tried it yet.....but i just wondered about the whole paint issue if it ruins my new paint ill freak....so i was waiting till i got a final response on that...lol why dont you try it with the air duster first...lol let me kown then...
Hey Linsey, if you can snag it while it's wet, turn a small to medium sized saucepan upside down on your counter and put the handle through the space between the plastic sizer and the hat. Stretch the hat down over the top and arrange to straighten out wrinkles. Let it dry naturally this way. That's how my Mom used to dry my Dad's Dickies hats that he wore with his work clothes . . . when he wasn't wearing a hard hat that is.
Thanks for the great tips. We are a family that loves to travel. In fact, we just posted 10 Packing Rules when traveling with Kids over on Family Hack. Sorry for the shameless plug.
The degree you are selecting pays way higher wages than my education degree, for sure. So I don't think it will take you nearly as long to pay it back. You can certainly go through our archives here for ideas as well, but one thing I did that sped up the process was move overseas to work for a while It's tax free, and many expat positions pay for room and board as well as your air fare home every hear. Different career fields will certainly have different overseas accessibility and opportunities, but it might be worth checking out. Good luck, Jean!
Jack Guttentag (a former finance professor at the Wharton School of the University of Pennsylvania) also offers insight and suggestions for dealing with the subprime crisis, which I found interesting. Much of the crisis, in his opinion, is associated with the "end of house price appreciation" rather than subprime lending itself.
Some readers may remember a less impactful subprime crisis in the late 1990s dealing mainly with manufactured housing/lending/securitization. Standard & Poor's has an interesting article comparing current events with the bankruptcies of Conseco and Oakwood Homes.
I think that most of us would agree that there are some things it is worth taking loans for (mortgages and college are two I can think of.) If it really is what you want to do, and you can make a good living doing it, I don't see any reason not to consider taking a low-interest rate educational loan out to realize your full income--earning potential. It is an investment, after all! Good luck!
Jean,
I suppose a degree is something that's worth a loan specially if you're getting a scholarship.
Don't be like me and give up because you don't want big big loans though... I got as far as 90 credits, but I had to stop studying. Even though my grades were good, I received a awful scholarship and I didn't want to take a 26,000 dollar loan... Yeah, out of state, because I had to run away from my parents... They beat me up even though I'm 20 years old now.
My parents had six kids, and I'm the youngest. They never let me work because "I'm a girl", so when it was my turn to go to college, my parents didn't have any money, and neither had I.
So long, Computer Science degree.... lol.
....
Go for it Jean! If you're going out of state, you might want to give in state schools a chance :)
Reading this article made me think of my own situation.
See,I'm right now at the "cross-roads of my life",I mean I have to
make the decision of either taking on a college scholarship(...and this will mean loaning a big amount of money since I really want to have that Computer Engineer degree.)and that will take...well 4 years; or pursuing a more "practical" one(...you know what I mean).Any kind of advise from you guys on how to handle this.I'm in my early twenties and wouldn't want to start my adulthood with debts.
We didn't have much money when I was growing up, but you know what? I never felt it. My family happened to live in an affluent neighbourhood (on the poor side of the tracks!), but strangely I didn't notice if I didn't have all the toys my friends did.
I never was left wanting for something I needed, and my life was enriched with so many (inexpensive) extra-curricular activities, I didn't have time to compare myself to the Jonses.
Life can indeed be full without being full of toys or expensive habits. It's all in the eye of the beholder.
I love love love my pressure cooker. The thing I wanted to comment on, though, is all the mentions of rice cookers. Now, if you need rice to be ready when you get home, and don't want to microwave some rice stored in the fridge, then yes, it's a great idea. However, I like brown rice, something that few rice cookers do well. I was considering buying a new fancy rice cooker as mine didn't do brown well. Then I realized- my pressure cooker to the rescue! I cook a large batch of brown rice in it about twice a week, keeping it in the fridge to take out & microwave what I need at a time. I saved money on the new rice cooker, and even sold my old one!
Can't we save such shrill acid-baths for ihatebush.com or such sites? Last I checked, this site was for advice about finances and frugality, not bomb-throwing political flame-wars (which are a dime a dozen, really easy to find, and something I endeavor to avoid.)
Besides, you'd never get me to agree that cutting taxes is a bad thing -- I'm a cut spending type of guy. Hence my presence on this site. :)
I was a lumberjack's daughter. Ditto. Times were incredibly tight growing up, but I've tried very hard never to use that as an excuse to just give up and never try to move ahead.
Good for you for taking responsibility over your situation. It's something we all have in our power, I agree.
Don't be sorry, Philip. Most of my article consisted of anti-Canadian material, as usual. You did a great job outlining the issues without going right over my head.
You must be a moron! Go ahead and try this, we need to rid the world of morons....in about 2 minutes or less after you short the battery with the metal rod, it will explode. But go ahead.
Be sure that computer engineering is what you want to do. A college degree is a great thing to have, but what makes it even better is if you really use the degree you get.
BTW, Linsey, great article. I didn't have anything valuable to add to it, but I realize that I've gone back and read it several times today, so I just thought I'd mention that.
Heh. Sorry if I've stolen anyone's thunder. And, thanks for the audio link!
Buy up! Seriously, mate, you still owe us for foisting Crocodile Dundee on us back in the 1980s. Don't think we've forgotten.
Myscha (and Philip), I'm actually glad someone else covered this. Much better detail than I would have been able to give!
It's all about the little things, isn't it? You know, the sandals we bought for the around the world trip were of washable leather. The brand is called Keen, I think. We tossed them in the washer a few times. They came out fine. Didn't dry them, though.
...In Europe and Australia, where we get screwed by American / Japanese companies selling things at way beyond the US price already in our local markets. At the moment, I can import a 80gb PS3 from the US for about AU$250 less than the the local 60gb model, including shipping. And if the USD goes down any further it's just going to get better.
Bummer, huh? I've had the same thing happen a few times myself. I'm sure your next post will be awesome, just the same.
Good post, Philip.
On the same subject. :)
That's what I get for being slow. I'll just add that everyone should listen to this.
You may have saved my marriage yet! LOL
My dog loves to chew and rip fabric, so I cut strips off of discarded jeans and tie knots in them -- voila! Instant chew toys.
Hey Frank i havent tried it yet.....but i just wondered about the whole paint issue if it ruins my new paint ill freak....so i was waiting till i got a final response on that...lol why dont you try it with the air duster first...lol let me kown then...
Hey Linsey, if you can snag it while it's wet, turn a small to medium sized saucepan upside down on your counter and put the handle through the space between the plastic sizer and the hat. Stretch the hat down over the top and arrange to straighten out wrinkles. Let it dry naturally this way. That's how my Mom used to dry my Dad's Dickies hats that he wore with his work clothes . . . when he wasn't wearing a hard hat that is.
Thanks for the great tips. We are a family that loves to travel. In fact, we just posted 10 Packing Rules when traveling with Kids over on Family Hack. Sorry for the shameless plug.
Bowing in shame,
Michael
http://www.familyhack.com
The degree you are selecting pays way higher wages than my education degree, for sure. So I don't think it will take you nearly as long to pay it back. You can certainly go through our archives here for ideas as well, but one thing I did that sped up the process was move overseas to work for a while It's tax free, and many expat positions pay for room and board as well as your air fare home every hear. Different career fields will certainly have different overseas accessibility and opportunities, but it might be worth checking out. Good luck, Jean!
Jack Guttentag (a former finance professor at the Wharton School of the University of Pennsylvania) also offers insight and suggestions for dealing with the subprime crisis, which I found interesting. Much of the crisis, in his opinion, is associated with the "end of house price appreciation" rather than subprime lending itself.
Some readers may remember a less impactful subprime crisis in the late 1990s dealing mainly with manufactured housing/lending/securitization. Standard & Poor's has an interesting article comparing current events with the bankruptcies of Conseco and Oakwood Homes.
Thank you so much for your concern guys!
I'm totally going for this college degree!
Way to go Wise Bread!
I think that most of us would agree that there are some things it is worth taking loans for (mortgages and college are two I can think of.) If it really is what you want to do, and you can make a good living doing it, I don't see any reason not to consider taking a low-interest rate educational loan out to realize your full income--earning potential. It is an investment, after all! Good luck!
Jean,
I suppose a degree is something that's worth a loan specially if you're getting a scholarship.
Don't be like me and give up because you don't want big big loans though... I got as far as 90 credits, but I had to stop studying. Even though my grades were good, I received a awful scholarship and I didn't want to take a 26,000 dollar loan... Yeah, out of state, because I had to run away from my parents... They beat me up even though I'm 20 years old now.
My parents had six kids, and I'm the youngest. They never let me work because "I'm a girl", so when it was my turn to go to college, my parents didn't have any money, and neither had I.
So long, Computer Science degree.... lol.
....
Go for it Jean! If you're going out of state, you might want to give in state schools a chance :)
Reading this article made me think of my own situation.
See,I'm right now at the "cross-roads of my life",I mean I have to
make the decision of either taking on a college scholarship(...and this will mean loaning a big amount of money since I really want to have that Computer Engineer degree.)and that will take...well 4 years; or pursuing a more "practical" one(...you know what I mean).Any kind of advise from you guys on how to handle this.I'm in my early twenties and wouldn't want to start my adulthood with debts.
Thanks!
We didn't have much money when I was growing up, but you know what? I never felt it. My family happened to live in an affluent neighbourhood (on the poor side of the tracks!), but strangely I didn't notice if I didn't have all the toys my friends did.
I never was left wanting for something I needed, and my life was enriched with so many (inexpensive) extra-curricular activities, I didn't have time to compare myself to the Jonses.
Life can indeed be full without being full of toys or expensive habits. It's all in the eye of the beholder.
A very interesting article and I agree with comments here that there should be a wiki page that shows the controversial chnages that have been made.
I love love love my pressure cooker. The thing I wanted to comment on, though, is all the mentions of rice cookers. Now, if you need rice to be ready when you get home, and don't want to microwave some rice stored in the fridge, then yes, it's a great idea. However, I like brown rice, something that few rice cookers do well. I was considering buying a new fancy rice cooker as mine didn't do brown well. Then I realized- my pressure cooker to the rescue! I cook a large batch of brown rice in it about twice a week, keeping it in the fridge to take out & microwave what I need at a time. I saved money on the new rice cooker, and even sold my old one!
Can't we save such shrill acid-baths for ihatebush.com or such sites? Last I checked, this site was for advice about finances and frugality, not bomb-throwing political flame-wars (which are a dime a dozen, really easy to find, and something I endeavor to avoid.)
Besides, you'd never get me to agree that cutting taxes is a bad thing -- I'm a cut spending type of guy. Hence my presence on this site. :)
I was a lumberjack's daughter. Ditto. Times were incredibly tight growing up, but I've tried very hard never to use that as an excuse to just give up and never try to move ahead.
Good for you for taking responsibility over your situation. It's something we all have in our power, I agree.